Wealth Builder · Retirement Readiness Planner

Get your readiness score & work-optional date

Enter your 6 essentials and we'll calculate your readiness score and your work-optional date — the date work becomes a choice. Then we coach you through a personalized, step-by-step plan to reach it sooner.

The essentials

Required

Your age

yrs

Monthly income

Monthly expenses

Total savings

Total debt

Investments & retirement (powers your date)

🔒

Unlock your full plan

Reveal your score, your work-optional date, your ranked action plan, and your live tracking dashboard.

Wealth Builder

Retirement Readiness Planner

See your exact Work-Optional Date and Freedom Fund, then follow your personalized, coach-built plan to reach it sooner — tracked live as your money grows.

$39 one-time

★ Best value · save $15

The Wealth Bundle

Escape debt + build wealth

Everything in Wealth Builder, plus your Debt Freedom Plan and Budget Planner — the complete path to clear debt and build lasting wealth.

$72 one-time

$87 value — save $15

⚡ Instant access⊘ No subscription

FYNALITI

Financial Management Tools

Wealth Builder · Retirement Readiness Planner

Your Money

Freedom Fund

Your Plan

How to use your plan

Welcome — here's the quick tour

Your Money — enter your numbers, see your surplus, choose how to split it, and get your readiness score.
Freedom Fund — the amount you need to be work-optional, how close you are, and your target date.
Your Plan — your roadmap of next steps, with a downloadable copy.

Your numbers

Edit ▾

Tap Edit to view or update the numbers behind your plan.

Your monthly surplus

Monthly income—

Monthly expenses—

Your monthly surplus—

What's left after you cover life each month — the fuel you put to work building wealth.

Where your surplus goes

How you split your surplus is the biggest lever in your plan. The part you invest builds long-term wealth for retirement; saving grows your safety net; paying down debt frees up future cash. Drag each slider to set your split — we’ll show what your investing adds up to next.
✦ Use our suggested split

Invest

Grows into long-term wealth at about 7% a year — the engine of your future retirement.

Save

Builds your emergency cushion and short-term goals — cash you keep liquid.

Pay down debt

Clears what you owe faster — every dollar of interest you skip is money kept.

Your readiness score

—

What you need

Your Freedom Fund

—

Reset to auto

Auto-set from your spending — type your own if you’re aiming at a round number like $1,000,000.

Where you stand

Your target and pace

I want to be work-optional by age 65

Slide to your goal age — we’ll show whether your current investing keeps pace.

What this means

Living off it

The 4% rule. Assumes a 7% average return and roughly flat spending — a guide, not a guarantee.

Your roadmap

—

Your roadmap

Take your plan with you

⤓ Print plan

⬇ Download my plan

Complete your money system

🗽

Personal Debt Freedom Plan

Wipe out debt fast so more of your income builds wealth.

$29

📊

Monthly Budget Planner

Free up more surplus each month to invest toward your date.

$19

💰

The Wealth Bundle Save $15

Wealth Builder + Debt Freedom Plan + Monthly Budget Planner — all three.

$87$72

Educational guidance, not individualized financial advice. Projections assume a steady contribution and an illustrative 7% average annual return; real returns vary.